My photos are the most important part of what I have on my computers. I have photos saved on one of the computers, a back up to iCloud Photo Library, and a time machine back up as well. Is this enough?
I am very paranoid about my pictures and music especially as I have over 60 years worth of photos/negatives/vinyl which I have scanned/digitised. I back up my pictures and music to 2 separate NAS drives and 3 external USB drives, one stored off site, plus a Time Machine backup.
2 NAS (1 personal cloud NAS), 3 cloned backups (1 in fireproof safe) and 1 cloud backup. To many years of photos and expensive artwork files to take a chance of losing.
I believe you will find that most people who value their files will have multiple backups of their systems. Many with clones of their system as well.
Professional photographer - sell landscapes but have just as many images of my kids that I never want to lose to a damaged drive or 'bit rot'.
Photos (4TB) reside on a RAID5 array (Thunderbay 4 with SoftRAID). Backed up to external on site every 6 hours. Also to NAS at work daily.
I've had two drives fail on me in the past year and only had a single image corrupted in the process (tiff file was not backed up in the 6 hour gap between processing the raw files and when the next backup was due to run - drive failed in between). I was able to redo the tiff file.
So maybe one more back up offsite? I would have to leave it at my parents' house. Last time we did this my mom had moved it and we couldn't find it😉. That was before the cloud. I'll have to write down where it is and put it in a box that is marked. Lol.